Advantages of Cloning in Humans and Animals Essay -- Biology Medical B

Advantages of Cloning in Humans and Animals Cloning has existed for ages as a form of reproduction in nature. Now humans have harnessed the power to clone at will. This evokes an argument between those that support and those that do not support cloning. Among the population, there are fewer supporters than opponents. It might just be a gut reaction of humans to fear and suspect new technology, or it could be a well-founded fear. In the animal world, cloning could be used to save endangered species and increase production of livestock. In time, this relatively new technology may become a powerful and useful tool This study examines the many supporting arguments for cloning, including objectives, among them starting families, organ transplants, and medical research. The creation of Dolly revolutionized the scientific world and sparked a flaming debate of what might one day become reality. Humans now had the power to intentionally create what is essentially a copy of another organism. One day humans might also be able to create a copy of other humans as well. The question that loomed over our heads since then is whether human cloning is ethical. Furthermore, would the cloning of larger, more complex animals such as livestock and pets be ethical? Supporters of this cutting edge technology often found, and still find themselves outnumbered by those who strongly oppose cloning. The minority is by no means wrong; their arguments are just as well grounded as their opponents’, sometimes better. Likewise, the other side is also well reasoned. Cloning has many assets, despite obvious faults. It is prudent to investigate the affirmative arguments for cloning rather than just looking at faults. Cloning would be beneficial to help start fa... ... may abuse cloning; they must prove that the process of cloning itself is immoral. For reasons stated above, cloning does not appear morally wrong: clones occur naturally, and there are many benefits to cloning. (Worthy) At the moment, the success rate of cloning is low, and the risk of potential harm to a cloned fetus is too high for comfort. As the technology continues to progress, cloning advocates may ultimately rejoice as human cloning ceases to be science fiction. Advantages of Cloning 6 References Emig, R., et al. (1998, April). Practical Uses of Human Cloning. Human Cloning. July 27, 2005: http://www.cs.virginia.edu/~jones/tmp352/projects98/group1/home.html McGee, G., et al. (2000). The Human Cloning Debate. Berkeley: Berkeley Hills Books. Worthy, F. The Cloning Debate. Christis. July 28, 2005: http://www.christis.org.uk/archive/issue70/cloning.php

Entrepreuer :: GCSE Business Marketing Coursework

Entrepreuer Entrepreneur, one who assumes the responsibility and the risk for a business operation with the expectation of making a profit, the entrepreneur generally decides on the product, acquires the facilities, and brings together the labor force, capital, and production materials. If the business succeeds, the entrepreneur reaps the reward of profits; if it fails, he or she takes the loss. Entrepreneurial leadership is vital to an individual and to a corporation?s success. Entrepreneurial firms are a major source of innovation and change. They create jobs, new tax revenues, and other transfers of money. At a time when U.S. productivity growth is lagging behind other countries, and when our large corporations are laying off workers and focusing on core businesses, entrepreneurial firms assume a more significant role; They do what large companies are not doing The process itself consists of the set of activities necessary to identify an opportunity, develop a business concept, and then manag e and harvest the venture. As a process, it has applicability to organizations of all sizes and types. The entrepreneurship construct has three underlying dimensions: innovativeness, or the development of novel or unique products, services or processes; risk-taking, or willingness to pursue opportunities having a reasonable chance of costly failure; and proactive ness, or an emphasis on persistence and creativity in overcoming obstacles until the innovative concept is fully implemented. In 1953 the US government created an independent agency called the Small Business Administration. Its functions are to make loans to small businesses unable to obtain financing from private sources on reasonable terms, to help small firms sell

Review of Related Literature Essay

When you scroll down your playlist, do you encounter the word â€Å"Genre† on the list? Do you what does Genre mean? According to Dictionary.com (2005) it is a class or category of artistic endeavor having a particular form, content technique, or like: the genre of epic poetry; the genre of symphonic music. Genre has different categories; these include Blues, Classical, Country, Electronic, Folk, Jazz, New Age, Reggae and Rock. Gravell, D. (2011). We, Filipinos also have our own category. Do you what it is? Guessed it right, it’s OPM (Original Pilipino Music). OPM is anything that’s performed by a Filipino artist.There are also new genres that made their way on the year 2012. On the list are Drill, Trap, Hipster House, Ratchet, Queer Rap, Tumblr-wave and Sea punk. Wagner, D (2012) Yes, they have weird names. Artists tend to experiment and invent new genres so expect every year with sprouting genres of great differences. Who couldn’t make music without singers behind it? With their names, who wouldn’t know these male artists like Tinie Tempah, Taio Cruz, Wiz Khalifa, Pitbull, Akon, Justin Bieber, Eminem, Bruno Mars Enrique Inglesias and Usher? Ayaz, M. (2012) How about songstresses like Ke$ha, Jennifer Lopez, Beyonce, Adele, Britney Spears, Rihanna, Taylor Swift, Katy Perry, Shakira and Lady Gaga are they familiar? Ayaz, M. (2012) These noise makers paved their way to music industry and are now chart toppers including fresh names like One Direction, Cher Lloyd, David Choi, Jireh Lim and many more. I bet you can name songs made by mentioned artists. Since we are talking about music, what can music do to its listeners, majorly teenagers? It can only end up into 2 results, the good and the bad result. Looking on the bright side, it can connect two people of the same undertakings. An example of it is Eminem, a rapper. He usually tells his personal troubles by rapping it. People who listen to it and are stuck at the same situation can relate and the song itself can give hope to the listeners. On the other hand, it also has its negativities. For instances, rapper, Wiz Khalifa shares a song that depicts drugs and intercourse, without being aware that there are listeners with age groups below 13 it can influence them. It can give off the urge to use drugs and enlarge egos which is a bad thing. Whatever the message of the song, good or bad, it ends up to the listeners mind and affect them. Mariam, S. (2012) Besides Psychological effects, music has its health benefits. One of its benefits is pain management. Music is a perfect way to divert your attention to pain. Another one is that it can reduce stress. Listening to calm and soothing music can be a simple way to relieve stress. It can also boost ones immune system. Research shows that if one listens to opera music it can regulate peripheral immune system. If one listens jumpy and active music, it can be ones encouragement to do exercise. An example of this is when one listens to music and jives with the beat, exercise is already done. You think singing lullabies at night is childish, well think again. Music can promote sleep and sedatives especially that light and slow music. Getting sick of the same beat you hear all over again? Well, people have their ways to discover new music. According to Nielsen (2012) Radio is still the dominant way people discover music (48%)- followed by tips from our friends and relatives (10%), and YouTube (7%), but more teens listen to music through YouTube than any other source (64%) – followed by radio (56%) and iTunes (53%) and CDs (50%) – Due to the advancing technology, the use of internet, specifically the website YouTube, have been the big players when it comes to music sharing. Although a lot of complains from artists about YouTube being a fuel for piracy, it still continues its way as a website.

Fact Sheet on Effects of Marijuana on the Body

MEMORY/PERCEPTION/BEHAVIOR 1. Attention, memory and learning are impaired among heavy marijuana users, even after users discontinued its use for at least 24 hours. Heavy marijuana use is associated with residual neuropsychological effects even after a day of supervised abstinence from the drug. Heavy users displayed significantly greater impairment than light users on attention/executive functions, as evidenced particularly by greater preservations on card sorting and reduced learning of word lists.These differences remained after controlling for potential confounding variables, such as estimated levels of premorbid cognitive functioning, and for use of alcohol and other substances in the two groups. However, the question remains open as to whether this impairment is due to a residue of drug in the brain, a withdrawal effect from the drug, or a frank neurotoxic effect of the drug. (â€Å"The Residual Cognitive Effects of Heavy Marijuana Use in College Students,† Pope, HG Jr. , Yurgelun-Todd, D. , Biological Psychiatry Laboratory, McLean Hospital, Belmont, MA, JAMA February 21, 1996. 2. Impaired memory for recent events, difficulty concentrating, dreamlike states, impaired motor coordination, impaired driving and other psychomotor skills, slowed reaction time, impaired goal-directed mental activity, and altered peripheral vision are common associated effects. (Adams and Martin 1996; Fehr and Kalant 1983; Hollister 1988a; Institute of Medicine 1982; Tart 1971) 3. A roadside study of reckless drivers who were not impaired by alcohol, showed that 45% of these drivers tested positive for marijuana. Dr. Dan Brookoff, published in the New England Journal of Medicine) 4. Marijuana smoking affects the brain and leads to impaired short-term memory, perception, judgment and motor skills. (Marijuana Facts: Parents Need to Know, National Institute on Drug Abuse ) 5. In a survey of 150 marijuana using students, 59% surveyed report they sometimes forget what a conversa tion is about before it has ended. 41% report if they read while stoned they remembered less of what they had read hours later. (Dr.Richard Schwartz, Vienna Pediatric Associates in Psychiatric Annals as reported in NIDA Capsules) NEUROBIOLOGICAL EFFECTS 6. Marijuana activates the same pleasure centers in the brain that are targeted by heroin, cocaine and alcohol. (Dr. Gaetano Di Chiara, University of Caligari, Italy) CARDIOVASCULAR EFFECTS 7. Physiological effects of marijuana include an alteration of heart rate. Use of marijuana may result in intense anxiety, panic attacks or paranoia. (National Institute of Drug Abuse) CHRONIC EFFECTS RESPIRATORY SYSTEM EFFECTS . The daily use of 1 to 3 marijuana joints appears to produce approximately the same lung damage and potential cancer risk as smoking 5 times as many cigarettes. (UCLA) The study results suggest that the way smokers inhale marijuana, in addition to its chemical composition, increases the adverse physical effects. The same l ung cancer risks associated with tobacco also apply to marijuana users, even though they smoke far less. (reported in NIDA Capsules) 9. Benzopyrene is the chemical in tobacco that causes lung cancer.An average marijuana cigarette contains nearly 50% more benzopyrene than a tobacco cigarette. An average marijuana cigarette contains 30 nanograms of this carcinogen compared to 21 nanograms in an average tobacco cigarette (Marijuana and Health, National Academy of Sciences, Institute of Medicine Report, 1982) Benzopyrene suppresses a gene that controls growth of cells. When this gene is damaged the body becomes more susceptible to cancer. This gene is related to half of all human cancers and as many as 70% of lung cancers. 10.Marijuana users may have many of the same respiratory problems that tobacco smokers have, such as chronic bronchitis and inflamed sinuses. (Marijuana Facts: Parents Need to Know, National Institute on Drug Abuse ) 11. Marijuana smokers, when compared to non marijua na smokers, have more respiratory illness. (Polen et al. 1993). 12. Marijuana smoke produces airway injury, acute and chronic bronchitis, lung inflammation, and decreased pulmonary defenses against infection. Smoking one marijuana cigarette leads to air deposition of four times as much cancer-causing tar as does tobacco smoke (Dr.D. Tashkin, Western Journal of Medicine) ENDOCRINE SYSTEM EFFECTS 13. Heavy marijuana use can affect hormones in both males and females. Heavy doses of the drugs may delay the onset of puberty in young men. Marijuana also can have adverse effects on sperm production. Among women, regular marijuana use can disrupt the normal monthly menstrual cycle and inhibit the discharge of eggs from the ovaries. (Marijuana Facts: Parents Need to know, National Institute on Drug Abuse) ADVERSE MENTAL EFFECTS 14. An â€Å"amotivational syndrome† can develop in heavy, chronic marijuana users.It is characterized by decreased drive and ambition, shortened attention spa n, poor judgment, high distractibility, impaired communication skills, and diminished effectiveness in interpersonal situations. (National Institute of Drug Abuse) 15. Adults who smoked marijuana daily believed it helped them function better, improved self-awareness and improved relationships with others. However, researchers found that users were more willing to tolerate problems, suggesting that the drug served as a buffer for those who would rather avoid confronting problems than make changes that might increase their satisfaction with life.The study indicated that these subjects used marijuana to avoid dealing with their difficulties and the avoidance inevitably made their problems worse. Although users believed the drug enhanced understanding of themselves, it actually served as a barrier against self-awareness. (case studies by research team from Center for Psychosocial Studies in New York. ) IMMUNE SYSTEM EFFECTS 16. Marijuana and some of its compounds influence the immune sy stem and affect the body's ability to resist viruses, bacteria, fungi and protozoa, and decreases the body's anti tumor activities.Marijuana has the potential to alter the backup safeguards of the immune system because it affects diverse types of cells in the body. This could compromise the immune system's ability to screen out cancer cells and eliminate infection. (Dr. Guy A. Cabral, Professor, Medical College of Virginia, speaking at NlDA's National Conference on Marijuana Use: Prevention, Treatment and Research. ) Limitations of Marijuana Research â€Å"Unfortunately, much of what is known about the human pharmacology of smoked marijuana comes from experiments with plant material containing about 2% THC or less, or occasionally up to 4% THC.In addition, human experiments typically are done in laboratory settings where only one or two smoked doses were administered to relatively young, medically screened, healthy male volunteers well experienced with the effects of marijuana. Fem ales rarely participated in past marijuana research because of prohibitions (now removed) against their inclusion. Thus the clinical pharmacology of single or repeated smoked marijuana doses given to older people or to people with serious diseases has hardly been researched at all in a controlled laboratory or clinic setting.Some of the very few reports of experiments that have included older or sicker people, particularly patients less experienced in using marijuana suggest the profile of adverse effects may differ from healthy student volunteers smoking in a laboratory experiment (Hollister, 1986a, 1988a) THC administered alone in its pure form is the most thoroughly research cannabinoid. Much of what has been written has been inferred from the results of experiments using only pure THC.Generally, in experiments actually using marijuana, the assumed dose of marijuana was based only on the concentration of THC in the plant material. The amounts of cannabidiol and other cannabinoids in the plant also vary so that pharmacological interactions modifying the effects THC may occur when marijuana is used instead of pure THC. The result of this research strategy is that a good deal is known about the pharmacology of THC, but experimental confirmation that the pharmacology of a marijuana cigarette is indeed entirely or mainly determined by the amount of THC it contains remains to be completed.The scientific literature contains occasional hints that the pharmacology of pure THC, although similar, is not always the same as the clinical pharmacology of smoked marijuana containing the same amount of THC (Graham 1976, Harvey 1985, Institute of Medicine 1982)† (Report to the Director, National Institutes of Health, by the Ad-Hoc Group of Experts, â€Å"Workshop on the Medical Utility of Marijuana. â€Å")

The Story of Macbeth

In the story of Macbeth, there is a lot of ups and downs that go along. How everyone takes the events that are going on will determine who are the strong ones and who are the weak ones. At one point all of the characters will have a flaw which will cause them to act a certain way. Many events that go on shocked, excited, and worried most. Every action will lead to a deeper event. Although everyone seems to have their head together at the beginning, there is alot of flaws that these characters are not showing right away. Most of these characters will leave and reader at a sharp turning point. These situations that the characters are always falling into are because of the characters poor decisions that leave the character where he/she cannot change or controls certains situations. Macbeth's mind set and actions will show how he really feels about certain situations and help a reader understand why Macbeth's actions are the way they are. Not just Macbeth's actions, its Lady Macbeth's actions too. No one knows which way to turn to when events start to drop out of nowhere. In the story of Macbeth, you can see that the troubled main character, Macbeth is in situations that you can see his flaws clearly, making this story a tragedy. To start off in at 1 of The Tragedy of Macbeth, the setting is in Scotland. Lady Macbeth comes across the three witches, the Weird Sisters, she had made the witches mad so the witches knew to go after her husband. So that is exactly what they did. The witches said they will meet Macbeth â€Å"when the battle's los and won† and when â€Å"fair is foul and foul is fair†. The witches will tell the characters one thing and will think in their head another meaning to what they just said, so the characters will be confused and do or say the wrong things that will cause a huge situations that can be a life of death situation. For example, when the witches told Macbeth that he will be king, also when they told him a human cannot harm him till the trees move. Another thing that the witches did was curse Lady macbeth when she would not give the witches some of her crackers.

The Lust Lizard of Melancholy Cove Chapter 1

This one's for Mom Prologue September in Pine Cove is a sigh of relief, a nightcap, a long-deserved nap. Soft autumn light filters through the trees, the tourists go back to Los Angeles and San Francisco, and Pine Cove's five thousand residents wake up to discover that they can once again find a parking place, get a table in a restaurant, and walk the beaches without being conked by an errant Frisbee. September is a promise. Rain will come at last and turn the golden pastures around Pine Cove green, the tall Monterey pines that cover the hills will stop dropping their needles, the forests of Big Sur will stop burning, the grim smile developed over the summer by the waitresses and clerks will bloom into something resembling real human expression, children will return to school and the joy of old friends, drugs, and weapons that they missed over the summer, and everyone, at last, will get some rest. Come September, Theophilus Crowe, the town constable, lovingly clips the sticky purple buds from his sensimilla plants. Mavis, down at the Head of the Slug Saloon, funnels her top-shelf liquors back into the well from whence they came. The tree service guys, with their chain saws, take down the dead and dying pines lest they crash through someone's roof with the winter storms. Woodpiles grow tall and wide around Pine Cove homes and the chimney sweep goes to a twelve-hour workday. The sunscreen and needless souvenir shit shelf at Brine's Bait, Tackle, and Fine Wines is cleared and restocked with candles, flashlight batteries, and lamp oil. (Monterey pine trees have notoriously shallow root systems and an affinity for falling on power lines.) At the Pine Cove Boutique, the hideous reindeer sweater is marked up for winter to await being marked back down for the tenth consecutive spring. In Pine Cove, where nothing happens (or at least nothing has happened for a long time), September is an event: a quiet celebration. The people like their events quiet. The reason they came here from the cities in the first place was to get away from things happening. September is a celebration of sameness. Each September is like the last. Except for this year. This year three things happened. Not big things, by city standards, but three things that coldcocked the beloved status quo nonetheless: forty miles to the south, a tiny and not very dangerous leak opened in a cooling pipe at the Diablo Canyon Nuclear Power Plant; Mavis Sand advertised in Songwriter magazine for a Blues singer to play through the winter at the Head of the Slug Saloon; and Bess Leander, wife and mother of two, hung herself. Three things, omens if you will. September is a promise of what is to come. Admitting You Have a Problem â€Å"Dear, dear, how queer everything is today! And yesterday everything went on just as usual. I wonder if I've been changed in the night? Let me think: Was I the same when I got up this morning? I almost think I can remember feeling a little different. But if I'm not the same, the next question is: Who in the world am I? Ah, that's the great puzzle!† – LEWIS CARROLL, Alice's Adventures in Wonderland One Theophilus Crowe As dead people went, Bess Leander smelled pretty good: lavender, sage, and a hint of clove. There were seven Shaker chairs hung on pegs on the walls of the Leanders' dining room. The eighth was overturned under Bess, who hung from the peg by a calico cloth rope around her neck. Dried flowers, baskets of various shapes and sizes, and bundles of dried herbs hung from the open ceiling beams. Theophilus Crowe knew he should be doing cop stuff, but he just stood there with two emergency medical technicians from the Pine Cove Fire Department, staring up at Bess as if they were inspecting the newly installed angel on a Christmas tree. Theo thought the pastel blue of Bess's skin went nicely with her cornflower-blue dress and the patterns of the English china displayed on simple wooden shelves at the end of the room. It was 7 A.M. and Theo, as usual, was a little stoned. Theo could hear sobs coming from upstairs, where Joseph Leander held his two daughters, who were still in their nightgowns. There was no evid-ence of a masculine presence anywhere in the house. It was Country Cute: bare pine floors and bent willow baskets, flowers and rag dolls and herb-flavored vinegars in blown-glass bottles; Shaker antiques, copper kettles, embroidery samplers, spinning wheels, lace doilies, and porcelain placards with prayers from the Dutch. Not a sports page or remote control in sight. Not a thing out of place or a speck of dust anywhere. Joseph Leander must have walked very light to live in this house without leaving tracks. A man less sensitive than Theo might have called him whipped. â€Å"That guy's whipped,† one of the EMTs said. His name was Vance McNally. He was fifty-one, short and muscular, and wore his hair slicked back with oil, just as he had in high school. Occasionally, in his capacity as an EMT, he saved lives, which was his rationalization for being a dolt the rest of the time. â€Å"He just found his wife hanging in the dining room, Vance,† Theo pronounced over the heads of the EMTs. He was six-foot-six, and even in his flannel shirt and sneakers he could loom large when he needed to assert some authority. â€Å"She looks like Raggedy Ann,† said Mike, the other EMT, who was in his early twenties and excited to be on his first suicide call. â€Å"I heard she was Amish,† Vance said. â€Å"She's not Amish,† Theo said. â€Å"I didn't say she was Amish, I just said I heard that. I figured she wasn't Amish when I saw the blender in the kitchen. Amish don't believe in blenders, do they?† â€Å"Mennonite,† Mike said with as much authority as his junior status would afford. â€Å"What's a Mennonite?† Vance asked. â€Å"Amish with blenders.† â€Å"She wasn't Amish,† Theo said. â€Å"She looks Amish,† Vance said. â€Å"Well, her husband's not Amish,† Mike said. â€Å"How can you tell?† Vance said. â€Å"He has a beard.† â€Å"Zipper on his jacket,† Mike said. â€Å"Amish don't have zippers.† Vance shook his head. â€Å"Mixed marriages. They never work.† â€Å"She wasn't Amish!† Theo shouted. â€Å"Think what you want, Theo, there's a butter churn in the living room. I think that says it all.† Mike rubbed at a mark on the wall beneath Bess's feet where her black buckled shoes had scraped as she convulsed. â€Å"Don't touch anything,† Theo said. â€Å"Why? She can't yell at us, she's dead. We wiped our feet on the way in,† Vance said. Mike stepped away from the wall. â€Å"Maybe she couldn't stand anything touching her floors. Hanging was the only way.† Not to be outdone by the detective work of his protg, Vance said, â€Å"You know, the sphincters usually open up on a hanging victim – leave an awful mess. I'm wondering if she actually hanged herself.† â€Å"Shouldn't we call the police?† Mike said. â€Å"I am the police,† Theo said. He was Pine Cove's only constable, duly elected eight years ago and reelected every other year thereafter. â€Å"No, I mean the real police,† Mike said. â€Å"I'll radio the sheriff,† Theo said. â€Å"I don't think there's anything you can do here, guys. Would you mind calling Pastor Williams from the Presby-terian church to come over? I need to talk to Joseph and I need someone to stay with the girls.† â€Å"They were Presbyterians?† Vance seemed shocked. He had really put his heart into the Amish theory. â€Å"Please call,† Theo said. He left the EMTs and went out through the kitchen to his Volvo, where he switched the radio over to the frequency used by the San Junipero Sheriff's Department, then sat there staring at the mike. He was going to catch hell from Sheriff Burton for this. â€Å"North Coast is yours, Theo. All yours,† the sheriff had said. My deputies will pick up suspects, answer robbery calls, and let the Highway Patrol investigate traffic accidents on Highway 1, that's it. Otherwise, you keep them out of Pine Cove and your little secret stays secret.† Theo was forty-one years old and he still felt as if he was hiding from the junior high vice principal, laying low. Things like this weren't supposed to happen in Pine Cove. Nothing happened in Pine Cove. He took a quick hit from his Sneaky Pete smokeless pot pipe before keying the mike and calling in the deputies. Joseph Leander sat on the edge of the bed. He'd changed out of his pajamas into a blue business suit, but his thinning hair was still sticking out in sleep horns on the side. He was thirty-five, sandy-haired, thin but working on a paunch that strained the buttons of his vest. Theo sat across from him on a chair, holding a notepad. They could hear the sheriff's deputies moving around downstairs. â€Å"I can't believe she'd do this,† Joseph said. Theo reached over and squeezed the grieving husband's bicep. â€Å"I'm really sorry, Joe. She didn't say anything that would indicate she was thinking about doing something like this?† Joseph shook his head without looking up. â€Å"She was getting better. Val had given her some pills and she seemed to be getting better.† â€Å"She was seeing Valerie Riordan?† Theo asked. Valerie was Pine Cove's only clinical psychiatrist. â€Å"Do you know what kind of pills?† â€Å"Zoloft,† Joseph said. â€Å"I think it's an antidepressant.† Theo wrote down the name of the drug on his notepad. â€Å"Then Bess was depressed?† â€Å"No, she just had this cleaning thing. Everything had to be cleaned every day. She'd clean something, then go back five minutes later and clean it again. She was making life miserable for the girls and me. She'd make us take our shoes and socks off, then wash our feet in a basin before we came into the house. But she wasn't depressed.† Theo wrote down â€Å"crazy† on his notepad. â€Å"When was the last time Bess went to see Val?† â€Å"Maybe six weeks ago. When she first got the pills. She really seemed to be doing better. She even left the dishes in the sink overnight once. I was proud of her.† â€Å"Where are her pills, Joseph?† â€Å"Medicine cabinet.† Joseph gestured to the bathroom. Theo excused himself and went to the bathroom. The brown prescription bottle was the only thing in the medicine cabinet other than disinfectants and some Q-Tips. The bottle was about half-full. â€Å"I'm going to take these with me,† Theo said, pocketing the pills. â€Å"The sheriff's deputies are going to ask you some of these same questions, Joseph. You just tell them what you told me, okay? Joseph nodded. â€Å"I think I should be with the girls.† â€Å"Just a bit longer, okay? I'll send up the deputy in charge.† Theo heard a car start outside and went to the window to see an ambulance pulling away, the lights and siren off. Bess Leander's body riding off to the morgue. He turned back to Joseph. â€Å"Call me if you need anything. I'm going to go talk to Val Riordan.† Joseph stood up. â€Å"Theo, don't tell anyone that Bess was on antidepressants. She didn't want anyone to know. She was ashamed.† â€Å"I won't. Call me if you need me.† Theo left the room. A sharply dressed plainclothes deputy met him at the bottom of the steps. Theo saw by the badge on his belt that he was a detective sergeant. â€Å"You're Crowe. John Voss.† He extended his hand and Theo shook it. â€Å"We're supposed to take it from here,† Voss said. â€Å"What have you got?† Theo was at once relieved and offended. Sheriff Burton was going to push him off the case without even talking to him. â€Å"No note,† Theo said. â€Å"I called you guys ten minutes after I got the call. Joseph said she wasn't depressed, but she was on medication. He came downstairs to have breakfast and found her.† â€Å"Did you look around?† Voss asked. â€Å"This place has been scoured. There isn't a smudge or a spot anywhere. It's like someone cleaned up the scene.† â€Å"She did that,† Theo said. â€Å"She was a clean freak.† Voss scoffed. â€Å"She cleaned the house, then hung herself? Please.† Theo shrugged. He really didn't like this cop stuff. â€Å"I'm going to go talk to her psychiatrist. I'll let you know what she says.† â€Å"Don't talk to anybody, Crowe. This is my investigation.† Theo smiled. â€Å"Okay. But she hung herself and that's all there is. Don't make it into anything it's not. The family is in pretty bad shape.† â€Å"I'm a professional,† Voss said, throwing it like an insult, implying that Theo was just dicking around in law enforcement, which, in a way, he was. â€Å"Did you check out the Amish cult angle?† Theo asked, trying to keep a straight face. Maybe he shouldn't have gotten high today. â€Å"What?† â€Å"Right, you're the pro,† Theo said. â€Å"I forgot.† And he walked out of the house. In the Volvo, Theo pulled the thin Pine Cove phone directory out of the glove compartment and was looking up Dr. Valerie Riordan's number when a call came in on the radio. Fight at the Head of the Slug Saloon. It was 8:30 A.M. Mavis It was rumored among the regulars at the Head of the Slug that under Mavis Sand's slack, wrinkled, liver-spot ted skin lay the gleaming metal skeleton of a Terminator. Mavis first began augmenting her parts in the fifties, first out of vanity: breasts, eyelashes, hair. Later, as she aged and the concept of maintenance eluded her, she began having parts replaced as they failed, until almost half of her body weight was composed of stainless steel (hips, elbows, shoulders, finger joints, rods fused to vertebrae five through twelve), silicon wafers (hearing aids, pacemaker, insulin pump), advanced polymer resins (cataract replace-ment lenses, dentures), Kevlar fabric (abdominal wall reinforcement), ti-tanium (knees, ankles), and pork (ventricular heart valve). In fact, if not for the pig valve, Mavis would have jumped classes directly from animal to mineral, without the traditional stop at vegetable taken by most. The more inventive drunks at the Slug (little more than vegetables themsel ves) swore that sometimes, between songs on the jukebox, one could hear tiny but powerful servomotors whirring Mavis around behind the bar. Mavis was careful never to crush a beer can or move a full keg in plain sight of the customers lest she feed the rumors and ruin her image of girlish vulner-ability. When Theo entered the Head of the Slug, he saw ex-scream-queen Molly Michon on the floor with her teeth locked into the calf of a gray-haired man who was screeching like a mashed cat. Mavis stood over them both, brandishing her Louisville Slugger, ready to belt one of them out of the park. â€Å"Theo,† Mavis shrilled, â€Å"you got ten seconds to get this wacko out of my bar before I brain her.† â€Å"No, Mavis.† Theo raced forward and knocked Mavis's bat aside while reaching into his back pocket for his handcuffs. He pried Molly's hands from around the man's ankle and shackled them behind her back. The gray-haired man's screams hit a higher pitch. Theo got down on the floor and spoke into Molly's ear. â€Å"Let go, Molly. You've got to let go of the man's leg.† An animal sound emanated from Molly's throat and bubbled out through blood and saliva. Theo stroked her hair out of her face. â€Å"I can't fix the problem if you don't tell me what it is, Molly. I can't understand you with that guy's leg in your mouth.† â€Å"Stand back, Theo,† Mavis said. â€Å"I'm going to brain her.† Theo waved Mavis away. The gray-haired man screamed even louder. â€Å"Hey!† Theo shouted. â€Å"Pipe down. I'm trying to have a conversation here.† The gray-haired man lowered his volume. â€Å"Molly, look at me.† Theo saw a blue eye look away from the leg and the bloodlust faded from it. He had her back. â€Å"That's right, Molly. It's me, Theo. Now what's the problem?† She spit out the man's leg and turned to look at Theo. Mavis helped the man to a bar stool. â€Å"Get her out of here,† Mavis said. â€Å"She's eighty-sixed. This time forever.† Theo kept his eyes locked on Molly's. â€Å"Are you okay?† She nodded. Bloody drool was running down her chin. Theo grabbed a bar napkin and wiped it away, careful to keep his fingers away from her mouth. â€Å"I'm going to help you up now and we're going to go outside and talk about this, okay?† Molly nodded and Theo picked her up by the shoulders, set her on her feet, and steered her toward the door. He looked over his shoulder at the bitten man. â€Å"You okay? You need a doctor?† â€Å"I didn't do anything to her. I've never seen that woman before in my life. I just stopped in for a drink.† Theo looked at Mavis for confirmation. â€Å"He hit on her,† Mavis said. â€Å"But that's no excuse. A girl should appreciate the attention.† She turned and batted her spiderlike false eyelashes at the bitten man. â€Å"I could show you some appreciation, sweetie.† The bitten man looked around in a panic. â€Å"No, I'm fine. No doctor. I'm just fine. My wife's waiting for me.† â€Å"As long as you're okay,† Theo said. â€Å"And you don't want to press charges or anything?† â€Å"No, just a misunderstanding. Soon as you get her out of here, I'll be heading out of town.† There was a collective sigh of disappointment from the regulars who had been placing side bets on who Mavis would hit with her bat. â€Å"Thanks,† Theo said. He shot Mavis a surreptitious wink and led Molly out to the street, excusing himself and his prisoner as they passed an old Black man who was coming through the door carrying a guitar case. â€Å"I ‘spose a man run outta sweet talk and liquor, he gots to go to mo' direct measures,† the old Black man said to the bar with a dazzling grin. â€Å"Someone here lookin fo' a Bluesman?† Molly Michon Theo put Molly into the passenger side of the Volvo. She sat with her head down, her great mane of gray-streaked blonde hair hanging in her face. She wore an oversized green sweater, tights, and high-top sneakers, one red, one blue. She could have been thirty or fifty – and she told Theo a different age every time he picked her up. Theo went around the car and climbed in. He said, â€Å"You know, Molly, when you bite a guy on the leg, you're right on the edge of ‘a danger to others or yourself,' you know that?† She nodded and sniffled. A tear dropped out of the mass of hair and spotted her sweater. â€Å"Before I start driving, I need to know that you're calmed down. Do I need to put you in the backseat?† â€Å"It wasn't a fit,† Molly said. â€Å"I was defending myself. He wanted a piece of me.† She lifted her head and turned to Theo, but her hair still covered her face. â€Å"Are you taking your drugs?† â€Å"Meds, they call them meds.† â€Å"Sorry,† Theo said. â€Å"Are you taking your meds?† She nodded. â€Å"Wipe your hair out of your face, Molly, I can barely understand you.† â€Å"Handcuffs, whiz kid.† Theo almost slapped his forehead: idiot! He really needed to stop getting stoned on the job. He reached up and carefully brushed her hair away from her face. The expression he found there was one of bemusement. â€Å"You don't have to be so careful. I don't bite.† Theo smiled. â€Å"Well, actually†¦Ã¢â‚¬  â€Å"Oh fuck you. You going to take me to County?† â€Å"Should I?† â€Å"I'll just be back in seventy-two and the milk in my refrigerator will be spoiled.† â€Å"Then I'd better take you home.† He started the car and circled the block to head back to the Fly Rod Trailer Court. He would have taken a back way if he could, to save Molly some embarrassment, but the Fly Rod was right off Cypress, Pine Cove's main street. As they passed the bank, people getting out of their cars turned to stare. Molly made faces at them out the window. â€Å"That doesn't help, Molly.† â€Å"Fuck 'em. Fans just want a piece of me. I can give 'em that. I've got my soul.† â€Å"Mighty generous of you.† â€Å"If you weren't a fan, I wouldn't let you do this.† â€Å"Well, I am. Huge fan.† Actually, he'd never heard of her until the first time he was called to take her away from H.P.'s Cafe, where she had attacked the espresso machine because it wouldn't quit staring at her. â€Å"No one understands. Everyone takes a piece of you, then there's nothing left for you. Even the meds take a piece of you. Do you have any idea what I'm talking about here?† Theo looked at her. â€Å"I have such a mind-numbing fear of the future that the only way I can function at all is with equal amounts of denial and drugs.† â€Å"Jeez, Theo, you're really fucked up.† â€Å"Thanks.† â€Å"You can't go around saying crazy shit like that.† â€Å"I don't normally. It's been a tough day so far.† He turned into the Fly Rod Trailer Court: twenty run-down trailers perched on the bank of Santa Rosa Creek, which carried only a trickle of water after the long, dry summer. A grove of cypress trees hid the trailer park from the main street and the view of passing tourists. The chamber of commerce had made the owner of the park take down the sign at the entrance. The Fly Rod was a dirty little secret for Pine Cove, and they kept it well. Theo stopped in front of Molly's trailer, a vintage fifties single-wide with small louvered windows and streaks of rust running from the roof. He got Molly out of the car and took off the handcuffs. Theo said, â€Å"I'm going to see Val Riordan. You want me to have her call something in to the pharmacy for you?† â€Å"No, I've got my meds. I don't like 'em, but I got 'em.† She rubbed her wrists. â€Å"Why you going to see Val? You going nuts?† â€Å"Probably, but this is business. You going to be okay now?† â€Å"I have to study my lines.† â€Å"Right.† Theo started to go, then turned. â€Å"Molly, what were you doing at the Slug at eight in the morning?† â€Å"How should I know?† â€Å"If the guy at the Slug had been a local, I'd be taking you to County right now, you know that?† â€Å"I wasn't having a fit. He wanted a piece of me.† â€Å"Stay out of the Slug for a while. Stay home. Just groceries, okay?† â€Å"You won't talk to the tabloids?† He handed her a business card. â€Å"Next time someone tries to take a piece of you, call me. I always have the cell phone with me.† She pulled up her sweater and tucked the card into the waistband of her tights, then, still holding up her sweater, she turned and walked to her trailer with a slow sway. Thirty or fifty, under the sweater she still had a figure. Theo watched her walk, forgetting for a minute who she was. Without looking back, she said, â€Å"What if it's you, Theo? Who do I call then?† Theo shook his head like a dog trying to clear water from its ears, then crawled into the Volvo and drove away. I've been alone too long, he thought.

Risk Management and Banking Crisis Essay Example | Topics and Well Written Essays - 2000 words

Risk Management and Banking Crisis - Essay Example The Banks & Financial Institutions avail the benefits of higher interest rates by lending to Sub-Prime customers but expose the capital to higher risks. The Banks used a mechanism of distributing the risk of the lending to the investors outside the Banking system through a process called "Securitization" (A phenomenon that occurred in the booming Credit Derivative Market). This phenomenon occurred extensively in the US Sub-Prime Mortgage Market that helped the banks to increase the number of risky products but still reduce the liabilities on their balance sheets (apparently!!) because the money is flowing through so called "conduits" from investors to the borrowers. As per experts the primary drawbacks have been imperfections in the Credit Markets given poor valuation of assets acquired against the credit instruments thus resulting in uncertain asset valuation & high credit risk exposure. Even the rating agencies couldn't predict the Sub-Prime crisis through their valuations because the securitization process was too complex and the Bank's risk assessment was inadequate in screening the borrowers and informing the investors about the risks in the securitized products. The system became so huge that the root of the risks was completely covered by hyped data and analytics about the new credit instruments. [Schmitz, Michael. C and Forray, Susan J. pp28-30; Clerc, Laurent. 2008. pp1-4] In this paper, the process of Credit & Liquidity risk measurement by the Banks is presented with a discussion on how they have contributed to the overall Financial Crisis faced by the world. A brief on Credit and Liquidity Risk Management practiced by Banks Every bank has a native underwriting process to support the "Credit Approval System" for evaluation of credit risk resulting from a possible exposure when scrutinizing a loan application. As per Basel Capital Accord (Basel-II), the primary parameters that are assessed during scrutiny of a loan application are: Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD) and Maturity